1202 NE 21ST AVENUE, CAPE CORAL, FL, 33909
Active11 days on marketListed Sep 9, 2026MLS #TB8547189
About this home
1202 NE 21ST AVENUE
This 3 bedroom + den, 2-bath home sits on a rare oversized 0.37-acre corner lot in Cape Coral. It features a comfortable split floor plan with two primary bedrooms, offering extra privacy and flexibility for guests. Inside, you'll find an open-concept living area with high ceilings, wood-look tile flooring, plenty of natural light, and a modern kitchen with quartz countertops, a large island, stainless steel appliances, and stylish cabinetry. The outdoor space is one of the highlights, with a fenced yard, custom grill and deck area, and relaxing water views — perfect for entertaining or enjoying Florida evenings. The home also includes impact windows and doors, a 2-car garage, and plenty of extra space thanks to the oversized lot.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,940
Sqft
0.37 ac
Lot size
2
Garage
2025
Year built
One
Levels
$227
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$3,081 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,081/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+15.1%
$/sqft vs CAPE CORAL
$227 vs $245
Days on market
11 vs 34 typical
Where $227/sqft sits among the 153 homes for sale in CAPE CORAL
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Cape Coral
Get to know Cape Coral. See the full Cape Coral guide →
CAPE CORAL 33909 — neighborhood snapshot
Population
36,917
Median age
38
Median income
$79,096
Median home value
$292,800
Avg household
2.88
Households w/ children
4,297
For the school run
Lee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Cape Coral market
$375K → $405K
Cape Coral median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
77 of 153
CAPE CORAL have cut their price
Median sold price, Cape Coral, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 538% above the CAPE CORAL 33909 median. See the full Cape Coral market guide →
Paper trail
This home's history
Reality check
What actually sold near 1202 NE 21ST AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$375,000
3007 ACADEMY BOULEVARD · same community
3 bd · 2 ba · 1,914 sqft · $196/sqft · 101 DOM
Sold · Dec ’25$560,000
210 SW 37TH TERRACE · same community
3 bd · 2 ba · 1,856 sqft · $302/sqft · 163 DOM
Sold · Dec ’25$444,000
2711 SW 27TH STREET · same community
3 bd · 2 ba · 2,028 sqft · $219/sqft · 30 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kamilla Pagotto
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1202 NE 21ST AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1202 NE 21ST AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1202 NE 21ST AVENUE FAQs
What would the monthly payment be for 1202 NE 21ST AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,081/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 1202 NE 21ST AVENUE?+
The most recent tax bill on record (2025) was $1,642. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1202 NE 21ST AVENUE?+
The listing reports pets: Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Cape Coral?+
At $439,900, this home is listed about 4% above the Cape Coral median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1202 NE 21ST AVENUE?+
Diplomat Middle School (middle), Diplomat Elementary School (elementary), Dr Carrie D Robinson Littleton Elementary School (elementary), Tropic Isles Elementary School (elementary), Caloosa Middle School (middle), North Fort Myers High School (high), Caloosa Elementary School (elementary), Mariner High School (high), Island Coast High School (high), Hancock Creek Elementary School (elementary), Cape Coral High School (high), Ida S. Baker High School (high) — Lee County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$439,900 runs 538% above the CAPE CORAL 33909 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Diplomat Middle School, Diplomat Elementary School, Dr Carrie D Robinson Littleton Elementary School, Tropic Isles Elementary School, Caloosa Middle School, North Fort Myers High School, Caloosa Elementary School, Mariner High School, Island Coast High School, Hancock Creek Elementary School, Cape Coral High School, Ida S. Baker High School — Diplomat Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $449,900, now $439,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BEACHFRONT REALTY INC · Mindy Kurkin. MLS #TB8547189.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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